Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11033392
Complaint Overview
Complaint ID: 11033392
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Louisiana
ZIP Code: 70122
Date Received: 2024-12-04T12:00:00-05:00
Date Sent to Company: 2024-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against the credit reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements regarding identity theft. Despite my submission of an Identity Theft Report and all required supporting documentation, these agencies have failed to act within the mandated timeframes and have instead sent stall letters, violating my consumer rights. Details of the Complaint On [ specific date ], I submitted an Identity Theft Report in compliance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent accounts be blocked and removed from credit reports within four business days. Despite fulfilling all requirements, these agencies have failed to take the necessary action and continue to send stall letters instead of addressing the fraudulent accounts. Violations Non-Compliance with FCRA Section 605B : Agencies have failed to block and remove fraudulent accounts within four business days as required by law. Sending Stall Letters : Instead of taking corrective action, they have delayed the process with unnecessary and repetitive correspondence, which constitutes bad faith and a violation of my rights under federal law. Supporting Evidence Identity Theft Report. Copies of correspondence with credit agencies. Stall letters received instead of proper action.
Frequently Asked Questions
What is Complaint #11033392 about?
Complaint #11033392 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-04T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.